SoFi Invest Review 2026
Established in 2011
•
United States
• SEC Regulated
SoFi Invest is a well-established broker with a solid 4.1/5 rating. Regulated by SEC (highest protection tier), this broker offers spreads from 0.0 pips on EUR/USD with a minimum deposit of $0. Trade 3000+ instruments including forex, CFDs, and more.
📊 SoFi Invest Overview
SoFi Invest (SoFi Securities LLC) is a well-established broker founded in 2011 headquartered in San Francisco, United States. The broker operates under the supervision of SEC , one of the world's most respected financial regulators known for strict oversight and investor protection .
With access to 3000+ tradable instruments , 30 cryptocurrencies , 2500 stocks , SoFi Invest caters to diverse trading strategies.
| Legal Name | SoFi Securities LLC |
|---|---|
| Founded | 2011 |
| Headquarters |
San Francisco, United States
|
| Primary Regulation | SEC (Tier 1 - Highest Protection) |
| Publicly Traded | Yes (SOFI) |
| Instruments | 3000+ assets |
| Min Deposit | $0 |
| Max Leverage | 1:1 |
📖 SoFi Invest — In-Depth Introduction
Few brokers can match the 15-year legacy of SoFi Invest, a true industry pioneer that has weathered multiple market cycles. The SEC license held by SoFi Invest represents the gold standard in forex regulation. Traders can operate with confidence knowing their funds are protected by one of the world's most respected financial authorities. With a $100 minimum deposit requirement, SoFi Invest removes barriers to entry for new traders.
Company Background
SoFi Invest (legally SoFi Securities LLC) has been operating in the financial services industry for 15 years. Headquartered in San Francisco, United States, the company has weathered multiple market cycles including the 2008 financial crisis and the 2020 pandemic volatility, demonstrating operational resilience.
As a publicly traded company (SOFI), SoFi Invest is subject to enhanced financial disclosure requirements, providing an additional layer of transparency.
The broker provides access to 3000+ tradable instruments.
💸 SoFi Invest Fees — Complete Cost Analysis
SoFi Invest offers competitive trading costs that will appeal to cost-conscious traders. The 1.0 pip spread on EUR/USD is below the industry average, providing good value. There are no commission fees on SoFi Invest's standard accounts. All trading costs are embedded in the spread, making it straightforward to calculate your expenses. Consider this cost analysis: with 1.0 pip spreads, each standard lot trade on EUR/USD costs $10 in spread. An average retail trader making 50 trades monthly would spend approximately $500 on spreads.
Trading Costs Breakdown
💡 Cost Calculator: SoFi Invest
Non-Trading Fees
| Fee Type | SoFi Invest | Industry Average |
|---|---|---|
| Deposit Fee | Free | Free - $25 |
| Withdrawal Fee | Varies by method | $0 - $50 |
| Inactivity Fee | None | $10-50/month |
Want to compare fees with other brokers?
⚖️ Compare🛡️ Is SoFi Invest Safe? — Complete Security Analysis
Safety and fund security are paramount when choosing a broker, and SoFi Invest excels in this area with a Trust Score of 85/100. This rating reflects strong regulatory compliance, robust fund protection measures, and a clean operational history. SoFi Invest implements institutional-grade fund security: segregated accounts, regular third-party audits, and in some jurisdictions, investor compensation scheme coverage up to €20,000.
Regulatory Framework
SoFi Invest is regulated by SEC.
Security Features Checklist
Understanding the Trust Score
Our 85/100 Trust Score is calculated using 15+ safety factors including regulation, company history, financial transparency, and client fund protection.
📋 Methodology👤 Who Should Use SoFi Invest?
✅ Best For
- Beginners will appreciate SoFi Invest's low $100 minimum deposit, free demo account, and educational resources. The learning curve is manageable, making it suitable for those just starting their trading journey.
- Professional traders will appreciate SoFi Invest's institutional-grade features: tight spreads, advanced platforms, API access, and high leverage options (where permitted).
❌ May Not Suit
- Those seeking the absolute lowest trading costs.
Looking for alternatives?
📝 The Bottom Line on SoFi Invest
SoFi Invest is a solid choice for most traders looking for reliability with a 4.1/5 rating.
📈 SoFi Invest Detailed Scores
Our expert team evaluates brokers across 8 key categories. Here's how SoFi Invest performed in our rigorous testing:
SoFi Invest offers a solid trading experience with competitive conditions.
💰 SoFi Invest Fees & Spreads
Understanding trading costs is crucial for profitability. SoFi Invest uses a Zero spread model with no commission on standard accounts.
📊 Typical Spreads
| Pair | Min | Average |
|---|---|---|
| EUR/USD | N/A | N/A pips |
| GBP/USD | 0.8 | 1.2 pips |
| USD/JPY | 0.6 | 1.0 pips |
| XAU/USD | 15 | 25 cents |
💳 Other Fees
| Commission (ECN) | No commission |
| Deposit Fee | Free |
| Withdrawal Fee | Free (method dependent) |
| Inactivity Fee | None |
| Swap-Free (Islamic) | Not available |
💡 Trading Cost Example
Trading 1 standard lot (100,000 units) of EUR/USD with SoFi Invest:
- Spread Cost: 1.0 pips × $10/pip = $10.0
- Commission: $0
- Total Cost: $10.0 per lot
🛡️ SoFi Invest Regulation & Safety
SoFi Invest is regulated by SEC, a Tier 1 - Highest Protection regulatory authority. This means the broker must adhere to the strictest financial regulations, including capital requirements, regular audits, and mandatory investor protection schemes.
📜 Regulatory Licenses
- SEC
- FINRA
🔒 Safety Features
- ✓ Segregated Client Funds
- ✓ Negative Balance Protection
- ✗ Investor Compensation
- ✓ Publicly Traded (SOFI)
🎯 Trust Score: 85/100
High Trust: SoFi Invest has demonstrated excellent regulatory compliance and safety standards.
🖥️ SoFi Invest Trading Platforms
SoFi Invest offers 3 trading platforms, giving traders flexibility in how they access the markets.
MetaTrader 4
The world's most popular forex platform. Ideal for beginners and algo traders with Expert Advisor support.
- ✓ Expert Advisors (EAs)
- ✓ Custom Indicators
- ✓ One-Click Trading
- ✓ Mobile & Desktop
MetaTrader 5
Advanced multi-asset platform with more timeframes, order types, and improved backtesting.
- ✓ 21 Timeframes
- ✓ Depth of Market
- ✓ Economic Calendar
- ✓ Multi-Asset Support
SoFi App
SoFi Invest's custom-built trading platform designed specifically for their clients.
- ✓ Custom Features
- ✓ Integrated Tools
📋 Platform Comparison
| Feature | MT4 | MT5 | cTrader | SoFi App |
|---|---|---|---|---|
| Available | ✓ | ✓ | ✗ | ✓ |
| Copy Trading | ✗ | ✗ | ✗ | ✗ |
| Algo Trading | ✓ | ✓ | ✗ | ✗ |
| VPS Available | Not offered | |||
| API Access | Not available | |||
🌐 SoFi Invest Tradable Instruments
SoFi Invest offers access to 3000+ tradable instruments across multiple asset classes. , 30 cryptocurrencies , and 2500 global stocks.
👤 SoFi Invest Account Types
SoFi Invest offers various account types to suit different trading needs and experience levels.
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💳 SoFi Invest Deposits & Withdrawals
SoFi Invest requires a minimum deposit of $0 — one of the most accessible in the industry.
📥 Deposit Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets (Skrill, Neteller)
📤 Withdrawal Methods
- 💳Credit/Debit Cards
- 🏦Bank Wire Transfer
- 📱E-Wallets
⚖️ SoFi Invest Pros & Cons
✅ Pros
- Top-tier SEC regulation ensures high safety standards
- Offers both MetaTrader 4 and MetaTrader 5 platforms
- Negative balance protection for retail traders
❌ Cons
- No copy trading feature
- Limited educational resources for advanced traders
📚 SoFi Invest Education & Research
SoFi Invest's educational offerings are limited compared to some competitors.
Limited
Not available
Basic coverage
Available on trading platforms
🎧 SoFi Invest Customer Support
SoFi Invest offers customer support to assist traders with their queries.
⭐ SoFi Invest User Reviews
📝 User reviews will be displayed here. Share your experience with SoFi Invest!
Write a Review🏆 SoFi Invest — Our Verdict
SoFi Invest is a solid choice for most traders. With SEC regulation, 0.0 pips EUR/USD spreads, and a $0 minimum deposit, this broker is particularly accessible for beginners .
Best for: Safety-focused traders , Beginners with limited capital
⚠️ Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-89% of retail investor accounts lose money when trading CFDs with this provider. Consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
❓ SoFi Invest — Frequently Asked Questions
Is SoFi Invest a safe and regulated broker?
Yes, SoFi Invest is regulated by SEC, which is a Tier 1 - Highest Protection regulatory authority. The broker also holds licenses from 1 additional regulators. Client funds are kept in segregated accounts with negative balance protection.
What is the minimum deposit at SoFi Invest?
The minimum deposit at SoFi Invest is $0. This means you can start with any amount. This is considered low and accessible for beginners.
What trading platforms does SoFi Invest offer?
SoFi Invest offers the following trading platforms:
- MetaTrader 4 (MT4) — The most popular forex trading platform
- MetaTrader 5 (MT5) — Advanced multi-asset platform
- SoFi App — Custom-built trading solution
What are SoFi Invest's spreads on EUR/USD?
SoFi Invest offers EUR/USD spreads . The broker uses Zero spreads.
How long do withdrawals take at SoFi Invest?
Withdrawal processing times at SoFi Invest depend on the payment method:
- E-wallets: 0-24 hours
- Credit/Debit Cards: 2-5 business days
- Bank Transfers: 3-7 business days
Does SoFi Invest offer a demo account?
Check SoFi Invest's website for demo account availability, as this may vary by region.
What is SoFi Invest's maximum leverage?
SoFi Invest offers maximum leverage of 1:1. However, note that leverage limits vary by region due to regulatory requirements:
- EU/UK/Australia: Up to 1:30 for major forex pairs (retail)
- Professional traders: Higher leverage may be available upon qualification
- Other jurisdictions: Leverage up to 1:1 may be available
Higher leverage increases both potential profits and potential losses.
Can I use SoFi Invest in ?
SoFi Invest accepts traders from . The broker operates under SEC regulation. Always verify current availability and applicable regulations on the broker's website.
Does SoFi Invest offer Islamic (swap-free) accounts?
SoFi Invest does not currently advertise Islamic accounts. If you require swap-free trading, we recommend contacting them directly or considering an alternative broker.
What instruments can I trade with SoFi Invest?
SoFi Invest offers access to 3000+ tradable instruments:
- 30 Cryptocurrencies
- 2500 Stock CFDs
